Cover Title: Essentials of the U.S. ealth Care System
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Please read each question and select your answer from the choices provided. You must complete all of the questions in order to view your results. At the end of each exam, you have the option to e-mail your results to your instructor.


1:  Which of these is not directly associated with financing of health care?
A: Funding of health insurance
B: Determines how much hospitals will spend on treating each patient
C: Reimbursement to providers
D: Aggregates into national health expenditures

2:  Moral hazard
A: Undesirable ethical consequences of technology
B: Inability to expand health insurance due to rising costs
C: Higher utilization of services due to insurance coverage
D: Delivery of unnecessary services

3:  Providers deliver unnecessary services.
A: Provider-induced demand
B: Cost shifting
C: Demand for health care
D: Moral hazard

4:  National health insurance would lead to uncontrolled health care expenditures unless
A: Demand is focused
B: Supply-side rationing is implemented
C: Hospitals are relocated
D: Medical technology is assessed

5:  Protection against financial loss.
A: Risk
B: Underwriting
C: Cost sharing
D: Insurance

6:  For a large group, risk can be predicted with reasonable accuracy.
A: TRUE
B: FALSE

7:  An 80:20 ratio of cost sharing when health care services are used is an example of
A: deductible
B: copayment
C: stop-loss provision
D: coinsurance

8:  Cost sharing
A: controls overutilization
B: shifts a greater proportion of costs to the employer
C: shifts a greater proportion of costs to providers
D: rations needed health care

9:  Employers function as insurers
A: Individual private insurance
B: Managed care
C: Self-insurance
D: Group insurance

10:  One main characteristic of public insurance programs in the U.S. is that they are
A: universal
B: taxable
C: categorical
D: eligible

11:  Medicare is a state-run program.
A: TRUE
B: FALSE

12:  Medicare Part B covers outpatient services.
A: TRUE
B: FALSE

13:  Medicare is a comprehensive program.
A: TRUE
B: FALSE

14:  Supplemental Medical Insurance
A: Medicare Part A
B: Medigap
C: Medicare Advantage
D: Medicare Part B

15:  Medicaid is also called Title 19.
A: TRUE
B: FALSE

16:  The Medicaid program varies from state to state.
A: TRUE
B: FALSE

17:  The fee-for-service method of payment
A: induced providers to deliver nonessential services
B: bundled charges under one price
C: is largely in use today
D: had incentives to contain costs

18:  Capitation removes the incentive for provider-induced demand
A: TRUE
B: FALSE

19:  Fixed payment per member per month
A: Capitation
B: PPS
C: Retrospective reimbursement
D: DRGs

20:  The retrospective method of reimbursement is cost based.
A: TRUE
B: FALSE

21:  The prospective payment system based on DRGs
A: rewards hospitals when patients spend more time hospitals
B: pays hospitals according to the patient's principal diagnosis
C: pays hospitals according to their costs
D: pays a budled charge per day

22:  Money spent on health care research is included in national health expenditures
A: TRUE
B: FALSE

23:  The U.S. government spends relatively little on health care delivery in the United States.
A: TRUE
B: FALSE

Optional: Enter your name and your instructor's E-mail address to have your results E-mailed to him or her.
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Instructor's E-mail Address:
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